Fix what's wrong
Accounts you don't recognize, wrong balances or late marks that aren't yours.
- Review all three bureau reports
- Dispute inaccurate or unverifiable items
- Keep track of bureau responses
FreeNo credit check, ever
Get your credit back in good standing.
Errors, old collections, a thin file or a big loan on the horizon. Answer six quick questions and we'll map out your path and connect you with credit professionals who may be able to help.
- Free to use
- Won't affect your score
- About 2 minutes
Dispute response inBureau review complete
On-time payments12 of 12 months
Credit snapshotExample
548
Fair
- Reports pulled from all 3 bureausWeek 1
- Inaccurate items disputedMonth 1
- Utilization brought under 30%Month 3
Illustrative example only. Results vary and no score change is guaranteed.
Free to useNo fees for using this site
Score-safeWe never pull your credit
Two minutesSix short questions
PrivateEncrypted and never sold without your say
Choose your path
Every credit story is different. Start with yours.
Pick the situation that sounds most like you. We'll tailor the next questions and point you to the right kind of help.
Bounce back
Late payments, collections or charge-offs dragging your score down.
- Confirm negatives are reported correctly
- Build a steady on-time payment record
- Bring credit utilization down
Start fresh
Little or no credit history, so lenders don't have much to go on yet.
- Learn how scores are built
- Explore secured cards and builder loans
- Grow a positive payment history
Get loan-ready
A mortgage, car loan or new apartment is coming up and you want your best profile.
- Check reports months in advance
- Correct errors before you apply
- Avoid unnecessary hard inquiries
35%Payment history
What shapes a score
Five ingredients. Different weights.
Knowing what matters most helps you focus on the changes that count. Tap a factor to learn more.
Weights reflect the general breakdown published for FICO® Scores. Other scoring models weigh factors differently.
How it works
From confusing to clear in four steps.
No pressure and nothing to sign. You stay in control the whole way.
Tell us your situation
Your goal, your score range and what's on your report. Six questions, about two minutes.
Get your path
We match your answers to the kind of help that fits, whether that's disputing errors, rebuilding or building from scratch.
Talk it through
A credit professional may contact you to review your situation and explain options, fees and timelines before you agree to anything.
You decide
Move forward with a provider, handle it yourself with our guidance, or simply walk away. It's your call.
Straight talk
What credit repair can and can't do.
Anyone who promises the impossible is a red flag. Here's what's realistic.
It can
- Dispute inaccurate informationErrors, duplicates, wrong balances and accounts that aren't yours can be challenged with the bureaus and the companies that reported them.
- Challenge unverifiable itemsIf a furnisher can't verify an item during an investigation, the bureau must correct or remove it.
- Keep the process organizedLetters, documents, deadlines and follow-ups across three bureaus take time. A professional can manage that for you.
- Build better habitsGuidance on payment timing, utilization and new accounts can help your profile grow stronger over time.
It can't
- Erase accurate, timely informationNegative items that are correct and within the reporting period can legally stay on your report.
- Guarantee a specific scoreScores depend on your full credit history and future behavior. No honest provider can promise a number.
- Give you a "new" credit identityUsing a CPN or EIN in place of your Social Security number to apply for credit is illegal.
- Charge before work is doneUnder federal law, credit repair companies can't collect fees until the promised services are fully performed.
Know your rights
The law is on your side.
The Fair Credit Reporting Act gives every consumer powerful tools, and they're free.
3
Free reports, every week
Equifax, Experian and TransUnion each provide free reports weekly through AnnualCreditReport.com.
30
Days to investigate
Bureaus generally must investigate a dispute within 30 days and fix or delete information that is inaccurate or can't be verified.
7
Years for most negatives
Most negative information must come off after seven years. A Chapter 7 bankruptcy can remain for up to ten.
You can dispute errors on your own at no cost. Working with a professional can save time and effort, but it's always your choice. Read the full Consumer Credit File Rights statement.
FAQ
Questions people actually ask.
We're a free educational and referral service. We help you understand your credit situation and, if you ask, connect you with independent credit repair companies, credit counseling organizations and other financial services providers. We don't provide credit repair services ourselves.
Using BetterStandingHub is free. If you choose to work with a provider you're connected with, that provider will explain its own fees before you sign up. We may be compensated by providers in our network.
No. We never pull your credit. If a provider later reviews your reports with your permission, it typically uses a soft inquiry or reports you obtain yourself, neither of which affects your score.
Inaccurate, incomplete or unverifiable information can be corrected or removed through the dispute process. Accurate and timely negative information can legally remain on your report, usually for up to seven years. Be wary of anyone who claims otherwise.
Each dispute generally takes the bureaus about 30 days to investigate. Many people work through several rounds over a few months, but timelines vary and no outcome is guaranteed.
Under the Credit Repair Organizations Act, a credit repair company must give you a written contract and a statement of your rights, can't charge you before services are fully performed, and must let you cancel within three business days of signing.
Yes. Anything a credit repair company can legally do, you can do yourself for free: request your reports, dispute errors with the bureaus and furnishers, and build positive habits. A professional mainly saves you time and effort.
Reply STOP to any text, ask the caller to stop, or email [email protected]. Full details are on our Communication Consent page.
Ready when you are
Your next chapter starts with a clear report.
Six questions. About two minutes. No credit check and no obligation.